KIND & APPROACHABLE CONSUMER BANKRUPTCY

We understand that dealing with your debt can be overwhelming, which is why we have a focus on providing a tech-enabled process that is easy, empathetic, and kind. You can complete the entire bankruptcy process without ever leaving home.

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Chapter 7 Bankruptcy

Filing for Chapter 7 bankruptcy can be easier than you think. At Patino King, we are here to help you through the process with ease, making it as easy as possible for you to eliminate your debt and retain your assets. We understand financial hardships are difficult on you and your family and you have suffered long enough. I am sure you’ve been thinking about how to handle your debt and have been avoiding bankruptcy. But filing for bankruptcy is more of a blessing than a curse!

Get Rid of Your Burdensome Debt!

A Chapter 7 bankruptcy can typically eliminate almost all of your debt, including:

  1. Credit card debt
  2. Medical debt
  3. Pay day loans
  4. Lines of credit
  5. Vehicle and mortgage loans
  6. Business debts

Some types of debt are not dischargeable. Bankruptcy does not eliminate alimony, child support, student loans, or most income tax debt.

Bankruptcy Stops Creditors From Collecting.

With a Chapter 7 bankruptcy filed, you can stop a wage garnishment and other collection efforts, including those daunting creditor phone calls. By filing, you will stop creditors from harassing you so you can breathe easier while going through the process of discharging your debt.

Protect and Keep Your Property!

Many people fear that they will lose all of their property. But it is a fear that rarely becomes reality. In most bankruptcy cases, you retain all of your property, including, but not limited to, family home, vehicles, furniture, and retirement accounts. What a great deal to get rid of all of your debt and retain all of your property!

Chapter 13 Bankruptcy

You may have fallen behind on your car or house payments. Maybe you can repay some but not all of your debts. A Chapter 13 Bankruptcy is a voluntary repayment plan or personal reorganization that can help you build a better financial future. At Patino King, we understand financial hardships are difficult on you and your family. We are here to help you construct a plan where are your debt is handled in one place.

Depending on your situation, you may need to file for Chapter 13 bankruptcy. A Chapter 13 bankruptcy, can help you:

  1. Stop a home foreclosure
  2. Stop a vehicle repossession
  3. Pay income tax debt without penalties and interest
  4. Pay only a portion of your unsecured debt without penalties and interest
  5. Pay past due child support or alimony

In a Chapter 13 bankruptcy cases, you make monthly payments for a period of 3 to 5 years. You retain all of your property, including, but not limited to, family home, vehicles, furniture, and retirement accounts. In a Chapter 13, you propose a plan on how you are going to repay your debts.